Andrew Gray
CFP®, CRPC®
Gray Wealth Strategies LLC
Founder, Lead Planner
Andrew Gray
CFP®, CRPC®
Gray Wealth Strategies LLC
Founder, Lead Planner
Our mission is to provide life-changing financial guidance so clients can retire with purpose and confidence. - Andrew Gray, CFP®, CRPC®
Fee-Only financial planner serving retirees and pre-retirees virtually from Bend, OR
Andrew Gray is a Bend, OR fee-only financial planner. Gray Wealth Strategies LLC provides comprehensive and objective financial planning, including retirement planning, investment management and tax planning, to help retirees and pre-retirees organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Andrew Gray is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Andrew Gray, CFP® is the Founder and Lead Planner at Gray Wealth Strategies LLC.
I’ve found that clients come to me with a series of specific challenges that they’d like help with as they approach retirement and living in retirement. These challenges center around how to best: replace their employment income from the assets they’ve saved, minimize taxes paid now and in retirement, protect against the risks of the future (i.e. inflation, market downturns, unplanned health issues, assets taken from them unjustly, longevity, etc.) as well as how to avoid common mistakes that can be very costly over the course of their lifetime. There are dozens of important financial decisions you face that can easily feel confusing and overwhelming.
This is where I can help you.
I launched Gray Wealth Strategies to bring highly personal, truly objective, evidence-based advice to your key financial decisions. This is what we should expect as we make critical financial choices. Regrettably, however, a vast majority of the financial services industry does not operate under such a standard where the advice/products being recommended truly align with your best interests. In fact, you may have even experienced a few of those “advisors” yourself.
I aim to change that experience for you. I operate under a “fiduciary standard”. This means that I am legally bound to provide objective advice in your best interests with zero product sales or commissions as your flat-fee only CERTIFIED FINANCIAL PLANNER™.
My flat-fee only structure is unique in the industry. We offer clients two flat-fee only options: 1) a one-time retirement plan which is intended for DIY investors who want to get a second opinion and validate their decisions and 2) a full-service wealth management relationship. As part of our full-service relationship, we focus on leveraging your retirement roadmap (i.e. initial financial plan) and using it to inform, customize, and optimize your investments, taxes, and estate planning needs.
Clients who are familiar with the standard asset under management (AUM) fee structure (i.e. being charged a percentage of your assets) will appreciate these flexible, flat-fee only offerings, and I personally think it’s a great way to objectively help pre-retirees and retirees.
I absolutely love the work I do and I am proud of the value I bring to my client’s key financial decisions.
That said, my #1 pride is my family: my wife, Jessica, and our three children (Waverly, Everton, and Zealand). We split time between the outdoor wonderland of the Pacific Northwest where we mountain bike, ski, camp, and raise our littles, and the great city of Austin, TX where family resides and Lake Austin calls for fun family time.
That’s my “why”: being the best advisor I can be to my clients and living the best life possible with my family and friends.
What’s your “why”? And how can I best help you live it with the resources you have?
Please reach out and I look forward to getting to know you.
Gray Wealth Strategies is a virtual fiduciary, flat-fee only wealth management firm that delivers actionable retirement planning and investment solutions for pre-retirees and retirees.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Andrew Gray is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Andrew Gray is a Chartered Retirement Planning Counselor℠ (Learn More)The Chartered Retirement Planning Counselor℠ or CRPC® designation is a premier retirement planning credential. The CRPC® program covers all aspects of the retirement process in a single comprehensive program with no product or advising biases.
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Andrew Gray is a Member of the XY Planning NetworkThe XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
Contact Andrew Gray
Office Locations:
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By Appointment
Bend, OR 97703
